Re: Question about APR

All of my cards are rewards cards. I got them 1-2 years ago when my credit score was about 30 points lower (720ish). I do PIF, just wondering if it's something that gets reported along with CLs and such.

Re: Question about APR

I agree with the other posters. When I was approved at my CU, I was offered the platinum or rewards Visa. The difference was APR of 9.50 vs 12.50. Since I have other rewards cards with better benefits it was a no brainer for me.

Re: Question about APR

bluedog1 wrote:

What is considered a good APR? I have some decent limits but APRs in the 16-18% range. My lowest is 12% with Citi. Is it worth trying to get the rest of them lowered?

there's usually a range APR for best to worst credit for that specific card, which you can find on that card website. Some cards have fixed APR for everyone who use that card (CSP is like this, I think).

You can definitely call to request your APR be lowered, but be warned sometimes they will do a hard pull for this.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.